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Target red card approved

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New Contributor

Target red card approved

Hey guys, haven't posted in a few. I got a great surprise today {to me it's great} if you have followed my previous posts you will know I have been rebuilding for around 1 year. I started at a score of 423 with 72 collections and no hard pulls. 0 trade lines and no installments. I had 1 student loan and child support reporting as late. Today I have a score of 610 TransUnion 590 EQ 609 ex, with 0 collections, 6 credit cards, 1 car loan, and 100 percent payment history, 7 month credit history, 32 inquiries. Only 3 in the last 4 months. I have applied for the target red card about 3 times within the last year and always got denied. Today I applied again and got instant approval with a limit of 250. The weird thing is, I did not get a hard pull from any of my reports. They did not pull my reports. But I'm living proof that target is not inquiry sensitive lol. I'm applying for khols next unless you guys have a better option I should try for. And thank you for all the advise as it has cleaned my score up tremendously this last year.
Open sky $300 Citi $200 ,simplyB $200, discover IT $300,Finger hut $500 flex shopper$900, Walmart$4k, target red$250, Kohl's $250
10 REPLIES 10
Valued Contributor

Re: Target red card approved

Congrats!!! You've come a long way.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 2 of 11
Contributor

Re: Target red card approved

Congratulations! I've been chasing the Red card always no.
Message 3 of 11
Valued Member

Re: Target red card approved

Contrats!  The Red Card was my first unsecured card in my rebuild.  SL was $300, but with regular use and PIF at least once a month, I received an auto CLI every third statement.  300 -> 800 -> 1300 -> 2100.  Yup.  $300 to $2,100 in 9 months.  Treat it well and it will treat you well!

 

Great job on the rebuild!

Message 4 of 11
Contributor

Re: Target red card approved

You deserve major Props Smiley Happy

 

 

| January 2017 American Express Blue $3000 | October 2017 American Express Everyday $2800 | October 2017 American Express Schwab Investor Card $6000 | September 2017 Bank of America Cash Rewards Visa $500 | December 2016 Discover it | $3,000 | September 2017 Paypal MC $700 | September 2017 Nordstrom Store CC $3000 | CreditCare $12000 | December 2017 BBVA Visa $12500 |


EX 688 December 2018
TU 680 December 2018
INQs: 5
Credit Started January 2017


cc
Message 5 of 11
Established Contributor

Re: Target red card approved

Great job!

Congrats 🎉
Message 6 of 11
Established Contributor

Re: Target red card approved

Awesome work.. Congrats.

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 7 of 11
Super Contributor

Re: Target red card approved

Congratulations! It took two days before the HP showed up, from getting approved for my target card last Saturday. 





Message 8 of 11
New Contributor

Re: Target red card approved

it just showed up on my TransUnion report.
Open sky $300 Citi $200 ,simplyB $200, discover IT $300,Finger hut $500 flex shopper$900, Walmart$4k, target red$250, Kohl's $250
Message 9 of 11
New Contributor

Re: Target red card approved

Thank you, I was also just approved for the Kohl's card I posted another thread on it. It feels great to see that congratulations notice instead of the 7 to 10 day message.
Open sky $300 Citi $200 ,simplyB $200, discover IT $300,Finger hut $500 flex shopper$900, Walmart$4k, target red$250, Kohl's $250
Message 10 of 11
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